7 Steps After Texas Hail Storms
Something I heard my father tell me once was this, “Do you know how to start a roofing business? Buy a hammer.” Texas hail storms are here again and some predatory roofers are looking to cash in.
It’s true, in Texas, roofers are one of the only contractors who do not require licensing or any kind of mandatory registration with the State of Texas outside the typical scope of running a business (i.e. taxes). If you’re a pest control operator or an electrician you would be required to attend a trade school or extensive trainings, pass tests to become a master at your trade, get licensed (you’ll always see their license numbers on the fender of their vehicle), and take continuing education classes to maintain your license’s good status. Not with roofers. It sounds like the wild west, and it is, but I can only assume that it’s to encourage people to get into the business because there is such a need for it thanks to our hail storms. The lack of licensing and regulation does, however; cause some very disheartening practices after a hail storm passes through your neighborhood.
Here at CoVerica, we’re asking you to simply do your research before agreeing or signing anything with a roofer especially after a storm. Here’s a recent email we sent out to our homeowner insurance and car insurance clients in the affected areas hit by the 3/26/2017 Texas hail storms.
Sunday night, we experienced another round of Texas hail storms that impacted many homes, businesses, and cars in Collin and Denton Counties with large hail and/or damage from high winds. If you have lived in Texas for very long, you will know that Springtime weather events are very common.
Here are a few things to remember about weather related damages:
1. Examine your shrubs, plants and trees in your yard or corporate property. If they show signs of stripped foliage, this can be an indicator of potential roof damage. Dents and/or broken glass on metal roof vents, sky lights, fences and automobiles may indicate signs of damage hail
2. Hail damage usually does not cause immediate leaks to your roof. Don’t be in a hurry to get your roof replaced. If there are no holes in the roof and it doesn’t leak, think about waiting until later in the year to have it replaced. Over the past couple of years, many of our clients have replaced their roofs only to have their newly replaced roof damaged again 30 or 45 days later in another weather event. Yes, your policy allows time to report within the policy term. Waiting could prevent having to pay another deductible
3. If you need temporary repairs to avoid water damage to property or cars, make sure you take immediate steps to protect them from further damage. Cover broken windows or holes in your roof to keep water from entering and damaging the interior of your home. If your vehicles have broken windows remove the broken glass to prevent cuts to interior and cover the holes to prevent further damage.
4. Call your insurance company as soon as possible if you believe you have damage that will most likely exceed your deductible (home and/or vehicles.). They can provide the quickest answers to your questions and provide immediate help. Click this link to take you to our claims page with contact information for your specific insurance carrier. Our recommendation is to only allow your insurance company’s adjuster or a roofing contractor referred by or vetted by them to examine your roof. Every additional step on a roof risks further damage
5. We recommend that you take your time and consult with a local, reputable, established roofing contractor who will be able to stand behind their warranty in the future. We suggest using insurance company referrals for initial inspections, word of mouth, referrals from friends, family or your realtor when selecting a potential roofing contractor.
6. You will likely also have door hangers, door to door roofers, self-employed contractors and all sorts of people working the neighborhood after a hail storm. Some of these firms may be reputable. However, oftentimes they collect money from homeowners and move on without paying suppliers or making sure the work has been completed
7. The North Texas Roofing Contractors Association at www.ntrca.com has a listing of its members and their respective code of ethics as well as valuable information about identifying and potentially avoiding roofing scams. The NTRCA is an optional membership organization but it’s members do seem more reputable.
We understand that you have a choice in selecting your insurance agent. We thank you for choosing CoVerica where we “treat others as ourselves, building trust one policy at a time, saving money without surprises.”
If you know of anyone affected by the recent Texas hail storms, please forward this list to them. Even if they’re not a client of ours, we hope this can keep people safe from predatory contractors.
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